Insurers write two kinds of policies for homeowners, all risk and named perils, also known as a Comprehensive policy or a Broad form policy.
All risk coverage (also known as all perils coverage) protects you against all losses and clearly states what perils are excluded. The all risk policy is usually more expensive because it is more comprehensive. With a comprehensive policy, the burden is on the insurance company to prove that the peril causing the damages is not excluded, otherwise, coverage applies. It is important when purchasing a comprehensive policy to review the stated exclusions in the policy wording named perils coverage covers those perils only that are specifically noted in the policy. A typical broad form named peril policy would cover fire, windstorm, hail, aircraft, riot, vandalism, explosion, lightning and smoke.
The named perils policy is less expensive than an all risk policy. With a broad form policy, the burden is on the insured, to prove that one of the named perils specifically listed caused the loss.